MIRA INFORM REPORT

 

 

Report Date :

22.07.2013

 

IDENTIFICATION DETAILS

 

Name :

BIO-CAPS INDIA LIMITED

 

 

Registered Office :

Dankuni Express Way, Post – Dankuni Cole Complex, Kolkata – 712 310, West Bengal

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

06.03.2003

 

 

Com. Reg. No.:

21-095890

 

 

Capital Investment / Paid-up Capital :

Rs. 34.012 Millions

 

 

CIN No.:

[Company Identification No.]

U24239WB2003PTC095890

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

CALB04939E

 

 

Legal Form :

Closely Held Public Limited Liability Company.

 

 

Line of Business :

Manufacturers of Empty Hard Gelatin Capsules.

 

 

No. of Employees :

Not Available [Not able to contact the company on the available number.]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

C

 

RATING

STATUS

PROPOSED CREDIT LINE

<10

C

Absolute credit risk exists. Caution needed to be exercised

Credit not recommended

 

Status :

Poor Sick Company

 

 

Payment Behaviour :

Delayed

 

 

Litigation :

Clear

 

 

Comments :

Subject is a company which is already registered in the register with “Board of Industrial and Financial Reconstruction”.

 

There appear huge accumulated losses for past some years which resulted in complete erosion of its net worth. External borrowing seems to be huge. The company is declared as a sick unit.

 

Payment terms are reported as delayed.

 

The company can be considered for business dealings on a safe and secured trade terms and conditions.

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – March 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

RBI DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

 

 

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2012.

 

 

LOCATIONS

 

Registered Office / Factory  :

Dunkuni Express Way, Post – Dankuni Cole Complex, Kolkata – 712 310, West Bengal, India

Tel. No.:

91-33-2283-9316/17/18 / 22487028

Fax No.:

91-33-2289-0094

E-Mail :

biocaps@vsnl.net

info@biocapsindia.com

taraknath_dey@rediffmail.com

ravica44@yahoo.com

Website :

http://www.biocapsindia.com

 

 

New Delhi Office :

L-83A, Malviya Nagar, New Delhi-110017, India

Tel. No.:

91-11-26673590

Fax No.:

91-11-26682460 / 2158

 

 

DIRECTORS

 

AS ON 29.09.2012

 

Name :

Mr. Ajit Agarwal

Designation :

Director

Address :

7/1 B, Rainey park, 3 E Shivam Apartments, Kolkata – 700019, West Bengal, India 

Date of Birth/Age :

04.10.1974

Date of Appointment :

06.03.2003

DIN No.:

00333853

 

Other Directorship:

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U45309WB2000PTC092225

NETWORK INFRASTRUCTURE PRIVATE LIMITED

Director

02-08-00

02-08-00

05-07-10

Active

NO

2

U24239WB2003PLC095890

BIO-CAPS INDIA LIMITED

Director

06-03-03

06-03-03

-

Active

NO

3

U45201WB2003PTC096495

VAISHNO ENCLAVES PRIVATE LIMITED

Director

30-06-03

30-06-03

-

Active

NO

4

U24239WB2004PTC099487

V3 BIOTECHNOLOGIES PRIVATE LIMITED

Director

18-08-04

18-08-04

20-02-12

Active

NO

5

U19201WB2005PLC101090

TRANSTEL INFRASTRUCTURE LIMITED

Director

11-01-05

11-01-05

07-07-07

Active

NO

6

U70101WB2005PTC101889

M L A ENCLAVES PRIVATE LIMITED

Director

25-02-05

25-02-05

31-01-07

Active

NO

7

U45201WB2003PTC097039

MANJU ESTATES PRIVATE LIMITED

Director

15-06-05

15-06-05

-

Active

NO

8

U51397WB2005PLC106724

V3 INTERNATIONAL LIMITED

Director

16-12-05

16-12-05

07-07-07

Active

NO

9

U74930WB2005PTC102041

CLEANTECH MANAGEMENT SERVICES PRIVATE LIMITED

Director

02-02-06

02-02-06

07-07-07

Active

NO

10

U45201WB2002PTC094795

AXIS INFRASTRUCTURE PRIVATE LIMITED

Director

27-12-06

27-12-06

31-01-07

Active

NO

11

U70100WB2010PTC154472

NIPL INFRA PROJECTS PRIVATE LIMITED

Director

18-02-11

18-02-11

20-08-12

Active

NO

 

 

Name :

Mr. Rajendra Kumar Sonthalia

Designation :

Director

Address :

FE-83 Sector III, Salt Lake City, Kolkata – 700091, West Bengal, India

Date of Birth/Age :

02.01.1953

Date of Appointment :

06.03.2003

DIN No.:

00454395

 

Other Directorship:

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U24239WB2003PLC095890

BIO-CAPS INDIA LIMITED

Director

06-03-03

06-03-03

-

Active

NO

2

U45201WB2003PTC096495

VAISHNO ENCLAVES PRIVATE LIMITED

Director

30-06-03

30-06-03

-

Active

NO

3

U24239WB2004PTC099487

V3 BIOTECHNOLOGIES PRIVATE LIMITED

Director

18-08-04

18-08-04

20-02-12

Active

NO

4

U24121WB1997PTC085622

VAIBHAV LAXMI CHEMICALS PRIVATE LIMITED

Director

25-06-07

25-06-07

-

Active

NO

5

U70101WB1994PTC062263

SHREE SHIROMANI PROJECT PRIVATE LIMITED

Director

15-02-11

15-02-11

-

Active

NO

 

 

Name :

Mr. Tarashankar Bhattacharya

Designation :

Director

Address :

Kalipur, Milani, Garalgacha, District- Hooghly, Kolkata- 712708, West Bengal, India

Date of Birth/Age :

02.02.1969

Date of Appointment :

18.04.2009

DIN No.:

01617079

 

Other Directorship:

 

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U45201WB2003PTC097039

MANJU ESTATES PRIVATE LIMITED

Director

04-07-07

04-07-07

-

Active

NO

2

U19201WB2005PLC101090

TRANSTEL INFRASTRUCTURE LIMITED

Director

04-07-07

04-07-07

30-05-08

Active

NO

3

U24239WB2003PLC095890

BIO-CAPS INDIA LIMITED

Additional director

18-04-09

18-04-09

-

Active

NO

4

U45309WB2000PTC092225

NETWORK INFRASTRUCTURE PRIVATE LIMITED

Director

11-07-11

19-01-10

21-08-12

Active

NO

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

AS ON 29.09.2012

 

Names of Shareholders

No. of Shares

Ajit Agarwal

1300

Rajendra Kumar Sonthalia

19515

Murari Lal Agarwal

2250

Anurag Sonthalia

4875

Globe Enterprises, India 

3325

Jaydeb Manick

1000

Brojendra Kumar Paul

1600

R. L. Agarwal and Sons (HUF)

250

R.G Agrawal and Sons HUF

250

Upendra Singh

560

Nidhi Poddar

400

Rakesh Agarwal

150

Ashok Agarwal

150

Ram Gopal Agarwal

350

Suraj Lal

360

Usha Agarwal

150

Manju Estates Private Limited, India 

89645

Vaishno Enclaves Private Limited, India 

78307

Rupesh Agarwal

100

Manish Dhanuka

320

Vaibhav Laxmi Chemicals Private Limited

44010

Santosh Agarwal

180

Draupadi Agarwal

170

Nisha Agrawal

320

Rakhi Agarwal

390

Deepon Sen

280

Bahadur Doshi

180

Kamala Devi Doshi

180

Girish Dugar

170

Yogita Sethia

160

Sounitra Mukherjee

170

Shanti Maheshwari

160

Manju Debnath

170

Mitali Khamaru

160

Anuja Guha

160

Sunil Kumar Surekha

200

Babita Doshi

160

Inchok Tracon Private Limited, India 

5700

Krudh Viniyog Private Limited, India 

7650

V3 Biotechnologies Private Limited, India

30100

MLA Enclaves Private Limited, India 

37930

Rose Capital Limited, India 

3333

Probhudhan Travels Limited, India 

3333

TOTAL

340123

 

AS ON 29.09.2012

 

Equity Shares Break Up

Percentage of Holding

Bodies corporate

79.36

Directors or relatives of Directors

8.21

Other top fifty shareholders

12.43

TOTAL

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Manufacturers of Empty Hard Gelatin Capsules.

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available [Not able to contact the company on the available number.]

 

 

Bankers :

·         UCO Bank, Flagship Corporate Center (IFB), MC Leod House, 3, Netaji Subha Road, Kolkata-700001, West Bengal, India

 

 

Facilities :

Secured Loan

 

Rs. In Millions

31.03.2012

Rs. In Millions

31.03.2011

Long Term Borrowings

 

 

Term Loan from UCO Bank

170.059

170.059

Cash Credit from UCO Bank

30.459

30.460

Secured Auto Loan

1.048

1.535

UCO Bank No-Lien A/c

(7.000)

0.000

 

 

 

TOTAL

194.566

202.054

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

Biyala and Associates

Chartered Accountant

Address :

48/1, Rose Mary Lane, 4th Floor, Flat No.404, Howrah-711101, West Bengal, India

Tel. No.:

91-33-22130051 / 1113

Mobile No.:

91-9830237694

E-Mail :

ravica44@yahoo.com

PAN No.:

AHCPB3215F

 

 


 

CAPITAL STRUCTURE

 

AS ON 31.03.2012

 

Authorised Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

353000

Equity Shares

Rs.100/- each

Rs. 35.300 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

 

No. of Shares

Type

Value

Amount

 

 

 

 

340123

Equity Shares

Rs.100/- each

Rs. 34.012 Millions

 

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.03.2012

31.03.2011

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

34.012

34.012

(b) Reserves & Surplus

 

(97.512)

(94.373)

(c) Money received against share warrants

 

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

 

0.000

0.000

Total Shareholders’ Funds (1) + (2)

 

(63.500)

(60.361)

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

194.566

202.054

(b) Deferred tax liabilities (Net)

 

7.438

7.438

(c) Other long term liabilities

 

0.000

0.000

(d) long-term provisions

 

0.000

0.000

Total Non-current Liabilities (3)

 

202.004

209.492

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

4.970

4.970

(b) Trade payables

 

3.535

19.011

(c) Other current liabilities

 

20.567

2.647

(d) Short-term provisions

 

0.389

0.120

Total Current Liabilities (4)

 

29.461

26.748

 

 

 

 

TOTAL

 

167.965

175.879

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

98.516

92.771

(ii) Intangible Assets

 

0.000

0.000

(iii) Capital work-in-progress

 

0.000

0.000

(b) Non-current Investments

 

0.000

0.000

(c) Deferred tax assets (net)

 

0.000

0.000

(d)  Long-term Loan and Advances

 

0.000

0.000

(e) Other Non-current assets

 

0.000

0.000

Total Non-Current Assets

 

98.516

92.771

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

9.365

8.770

(c) Trade receivables

 

40.427

36.596

(d) Cash and cash equivalents

 

3.369

2.449

(e) Short-term loans and advances

 

16.288

35.293

(f) Other current assets

 

0.000

0.000

Total Current Assets

 

69.449

83.108

 

 

 

 

TOTAL

 

167.965

175.879

 

 

SOURCES OF FUNDS

 

 

 

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

34.012

2] Share Application Money

 

 

0.000

3] Reserves & Surplus

 

 

66.025

4] (Accumulated Losses)

 

 

(154.500)

NETWORTH

 

 

(54.463)

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

202.234

2] Unsecured Loans

 

 

4.970

TOTAL BORROWING

 

 

207.204

DEFERRED TAX LIABILITIES

 

 

7.438

 

 

 

 

TOTAL

 

 

160.179

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

106.643

Capital work-in-progress

 

 

0.000

 

 

 

 

INVESTMENT

 

 

0.000

DEFERREX TAX ASSETS

 

 

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

6.679

 

Sundry Debtors

 

 

32.004

 

Cash & Bank Balances

 

 

3.012

 

Other Current Assets

 

 

5.576

 

Loans & Advances

 

 

28.228

Total Current Assets

 

 

75.499

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

 

19.651

 

Other Current Liabilities

 

 

2.312

 

Provisions

 

 

0.000

Total Current Liabilities

 

 

21.963

Net Current Assets

 

 

53.536

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.000

 

 

 

 

TOTAL

 

 

160.179

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

31.03.2012

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

Income

83.827

64.917

70.694

 

 

Other Income

0.867

7.581

1.387

 

 

TOTAL                                     (A)

84.694

72.498

72.081

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of Material Consumed

56.669

50.915

40.524

 

 

Employee Benefit Expenses

8.693

9.447

0.000

 

 

Other Administrative Expenses

9.589

5.561

19.718

 

 

Changes in Inventories

(0.595)

(2.090)

5.280

 

 

TOTAL                                     (B)

74.356

63.833

65.522

 

 

 

 

 

Less

PROFIT / (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B)      (C)

10.338

8.665

6.559

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

0.464

0.230

0.271

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D)                               (E)

9.874

8.435

6.288

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

13.014

14.333

15.691

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX (E-F)                 (G)

(3.140)

(5.898)

(9.403)

 

 

 

 

 

Less

TAX                                                                  (H)

0.000

0.000

0.000

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX (G-H)                  (I)

(3.140)

(5.898)

(9.403)

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

(160.398)

(154.500)

(145.097)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

(163.538)

(160.398)

(154.500)

 

 

 

 

 

 

Earnings / (Loss) Per Share (Rs.)

(9.23)

--

--

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

(3.71)

(8.14)

(13.05)

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

(3.75)

(9.09)

(13.30)

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

(1.87)

(3.35)

(5.16)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

0.05

0.10

0.17

 

 

 

 

 

Debt Equity Ratio

(Total Debt /Networth)

 

(3.14)

(3.42)

(3.80)

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

2.36

3.11

3.44

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Sr. No.

Check List by Info Agents

Available in Report (Yes / No)

1]

Year of Establishment

Yes

2]

Locality of the firm

Yes

3]

Constitutions of the firm

Yes

4]

Premises details

No

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

No

9]

Name of person contacted

No

10]

Designation of contact person

No

11]

Turnover of firm for last three years

Yes

12]

Profitability for last three years

Yes

13]

Reasons for variation <> 20%

-----

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

No

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

No

20]

Export / Import details (if applicable)

No

21]

Market information

-----

22]

Litigations that the firm / promoter involved in

-----

23]

Banking Details

Yes

24]

Banking facility details

Yes

25]

Conduct of the banking account

-----

26]

Buyer visit details

-----

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

Yes

30]

Major Shareholders, if available

Yes

31]

Date of Birth of Proprietor/Partner/Director, if available

Yes

32]

PAN of Proprietor/Partner/Director, if available

No

33]

Voter ID No of Proprietor/Partner/Director, if available

No

34]

External Agency Rating, if available

No

 

 

Unsecured Loan

 

Rs. In Millions

31.03.2012

Rs. In Millions

31.03.2011

Short Term Borrowings

 

 

Unsecured Loan

4.970

4.970

 

 

 

TOTAL

4.970

4.970

 

 

NOTE

 

The Register Office of the company has been shifted from Durgapur Expressway, Mallarber, Dankuni, Kolkata- 712205, West, Bengal, India to the present address with effect from 05.05.2008

 

 

BUSINESS OPERATION

 

During the year the company suffered loss of Rs. 3.140 Millions as compared from previous year loss of Rs. 5.898 Millions. The company is already registered in BIFR. However, the director expects a much better result in the ensuing year.

 

 

FIXED ASSETS

 

·         Collod Mill

·         Laboratory Equipment

·         Workshop Equipment

·         Cleaning Machine Accessories

·         Air Conditioner

 

 

 

 


CMT REPORT (Corruption, Money Laundering & Terrorism]

 

The Public Notice information has been collected from various sources including but not limited to: The Courts, India Prisons Service, Interpol, etc.

 

1]         INFORMATION ON DESIGNATED PARTY

No exist designating subject or any of its beneficial owners, controlling shareholders or senior officers as terrorist or terrorist organization or whom notice had been received that all financial transactions involving their assets have been blocked or convicted, found guilty or against whom a judgement or order had been entered in a proceedings for violating money-laundering, anti-corruption or bribery or international economic or anti-terrorism sanction laws or whose assets were seized, blocked, frozen or ordered forfeited for violation of money laundering or international anti-terrorism laws.

 

2]         Court Declaration :

No exist to suggest that subject is or was the subject of any formal or informal allegations, prosecutions or other official proceeding for making any prohibited payments or other improper payments to government officials for engaging in prohibited transactions or with designated parties.

 

3]         Asset Declaration :

No records exist to suggest that the property or assets of the subject are derived from criminal conduct or a prohibited transaction.

 

4]         Record on Financial Crime :

            Charges or conviction registered against subject:                                                              None

 

5]         Records on Violation of Anti-Corruption Laws :

            Charges or investigation registered against subject:                                                          None

 

6]         Records on Int’l Anti-Money Laundering Laws/Standards :

            Charges or investigation registered against subject:                                                          None

 

7]         Criminal Records

No available information exist that suggest that subject or any of its principals have been formally charged or convicted by a competent governmental authority for any financial crime or under any formal investigation by a competent government authority for any violation of anti-corruption laws or international anti-money laundering laws or standard.

 

8]         Affiliation with Government :

No record exists to suggest that any director or indirect owners, controlling shareholders, director, officer or employee of the company is a government official or a family member or close business associate of a Government official.

 

9]         Compensation Package :

Our market survey revealed that the amount of compensation sought by the subject is fair and reasonable and comparable to compensation paid to others for similar services.

 

10]        Press Report :

            No press reports / filings exists on the subject.

 


 

CORPORATE GOVERNANCE

 

MIRA INFORM as part of its Due Diligence do provide comments on Corporate Governance to identify management and governance. These factors often have been predictive and in some cases have created vulnerabilities to credit deterioration.

 

Our Governance Assessment focuses principally on the interactions between a company’s management, its Board of Directors, Shareholders and other financial stakeholders.

 

 

CONTRAVENTION

 

Subject is not known to have contravened any existing local laws, regulations or policies that prohibit, restrict or otherwise affect the terms and conditions that could be included in the agreement with the subject.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs. 59.79

UK Pound

1

Rs. 91.03

Euro

1

Rs. 78.52

 

 

INFORMATION DETAILS

 

Report Prepared by :

DPT


 

 

RATING EXPLANATIONS

 

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

-

NB

                                       New Business

-

 

 

 

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.